10 Alasan Mengapa Gaji Tidak Pernah Cukup dan Solusinya

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Ilustrasi/Kompas

Memutuskan mengonsumsi Starbucks seharga Rp 45.000 setiap hari sebelum berangkat kerja ternyata berdampak pada pencapaian finansial Anda.

Anda perlu tahu bahwa keputusan menggunakan uang dengan tergesa-gesa bisa membuat kantong bokek. Sebaliknya, jika keuangan dikelola secara teratur dan penuh pertimbangan sebelum melakukan suatu pembelanjaan niscaya Anda dapat mencapai tujuan finansial dalam hidup.

Masa setiap bulan Anda harus mengalami gali lubang, tutup lubang karena gaji tidak pernah cukup dalam sebulan. Ada 10 ‘penjahat’ yang membuat gaji bulanan tidak pernah cukup memenuhi kebutuhan bulanan. Jauhi sekarang juga agar memiliki keuangan yang merdeka.

1. Memiliki gaya hidup konsumtif

Siapa yang tidak tergiur dengan pesta diskon di pusat perbelanjaan? Diskon 50 % untuk pembelian barang kedua, beli 1 sepatu gratis 1 sepatu, sale hingga 70 % untuk penghabisan barang dan masih banyak lagi tagline promo untuk menggoda iman konsumen. Setiap mengunjungi pusat perbelanjaan dan supermarket, bagian kanan dan kiri ada saja outlet yang menggelar diskon.

Sebenarnya jika Anda bisa memanfaatkan diskon tersebut untuk membeli kebutuhan jelas menjadi keuntungan karena menghemat sekian persen. Namun, jika setiap terdapat pesta diskon membuat Anda tak pernah absen, sebaiknya harus segera berhenti. Bisa-bisa setiap melihat barang sale langsung beli padahal sebenarnya sedang tidak membutuhkannya.

Sifat konsumtif seperti itu tak baik jika dipelihara karena menghilangkan logika saat berbelanja. Sehingga berujung pada kantong jebol akibat gaji tak pernah cukup untuk memenuhi sifat konsumtif Anda.

Solusi

Buat list pembelanjaan dan bersikap disiplin setiap memasuki pusat perbelanjaan. Langsung datangi tempat tujuan anda untuk membeli kebutuhan dan beli untuk jangka panjang.Hindari juga melakukan window shopping karena mengakibatkan Anda membeli barang-barang di luar list belanjaan. Sebaiknya, ajak serta teman atau keluarga untuk menemani Anda belanja dan mengingatkan di saat sudah mulai tergoda dengan sale dan diskon.

2. Punya kebiasaan buruk

Merokok, mabuk-mabukan dan suka menyantap junk food adalah kebiasaan buruk yang menggerogoti keuangan serta kesehatan Anda. Bila memiliki salah satu dari kebiasaan buruk tersebut segera buang jauh-jauh. Gaji bukan saja tak cukup dalam sebulan malahan  bisa dalam setahun.

Kita ambil contoh sederhana, sebungkus rokok saat ini dihargai Rp 20.000. Dalam sehari Anda bisa menghabiskan dua bungkus rokok. Dalam seminggu sudah Rp 280.000 dikeluarkan untuk membeli rokok. Dan sebulan pengeluaran Anda untuk membeli rokok sebesar Rp 1.120.000. Apabila kebiasaan merokok Anda hentikan, Anda sudah punya tabungan Rp 13.440.000 dalam setahun. Kalau mau berhenti, Anda sudah bisa membeli sepeda motor secara tunai. Plus menghindari biaya perawatan di rumah sakit karena terserang penyakit akibat merokok.

Solusi

Berhenti merokok dan minum-minum sebelum terserang kebangkrutan dan penyakit keras. Anda bisa mulai hidup sehat caranya mengganti rokok dengan mengonsumsi buah-buahan, mengganti minum alkohol dengan air putih dan jus. Ingat, bahwa memelihara kebiasaan buruk ini terus menerus bukan hanya mengakibatkan gaji tak akan pernah cukup melainkan umur cepat berkurang.

Sebagai referensi Anda bisa mulai melihat dan meniru pola hidup sehat yang diterapkan oleh mantan pecandu rokok dan alkohol. Pun, ketika melepaskan kebiasaan buruk ini lakukan secara perlahan-lahan.

3. Terobsesi dengan cicilan 0%

Maraknya produk dan jasa dengan label cicilan 0% membuat mata sulit menolak. Dan terkadang karena hanya melihat embel-embel 0 % tersebut itulah, Anda jadi tergerak membeli produknya padahal belum membutuhkannya.

Tawaran program cicilan dari kartu kredit apalagi dengan bunga 0 % jelas membuat kita tergoda dan pada akhirnya mematikan mentalitas keuangan. Apalagi di saat sedang tidak memegang uang tunai. Mau beli gadget terbaru bisa dicicil saja, beli tas bermerk dapat cicilan, punya elektronik untuk mengisi rumah bisa dicicil.

Oke, kemudahan inilah yang akhirnya membuat Anda terobsesi untuk membeli suatu produk secara terus menerus. Hingga akhirnya cicilan Anda menumpuk. Dan tanpa disadari jumlah cicilan dalam sebulan sudah melebihi gaji dalam sebulan. Sudah terlambat untuk menyesalinya.

Ingat kegunaan kartu kredit bukan untuk membuat Anda menumpuk utang dan melakukan pembelian saat kesulitan keuangan, melainkan mempermudah transaksi.

Solusi

Mentalitas mengandalkan cicilan 0 % untuk membeli barang harus diubah. Sebelum mengambil program cicilan tersebut pertimbangkan secara matang, apakah barang tersebut perlu dibeli atau tidak. Kita harus komitmen apakah dapat membayar angsuran per bulannya secara teratur. Jika jawabannya tidak, maka lebih baik hindari pembelian dengan cara mengangsur.

Kalau ada uang tunai dan memang barang tersebut merupakan kebutuhan belilah menggunakan uang tunai. Daripada harus menumpuk cicilan di kartu kredit.

4. Terlalu irit bahkan pelit

Niatnya mau menghindari membayar biaya tol dengan melewati rute biasa, ujung-ujungnya malah menghabiskan uang lebih besar karena jaraknya lebih panjang dan kondisi jalanan macet sehingga menghabiskan bensin. Padahal bayar tol hanya Rp 10.000, sementara beli bensin jumlahnya lebih dari itu.

Contoh lain, Anda menghindari biaya parkir di pusat perbelanjaan karena saat ini biayanya sudah mahal. Lalu memilih parkir di pinggil jalan karena hanya bayar Rp 2.000 bahkan gratis. Padahal di balik itu ada beberapa kerugian yang harus Anda tanggung seperti kendaraan tidak aman, ditarik petugas karena parkir sembarangan dan lainnya. Kalau sudah begini masih mau irit?

Terlalu irit bukan membuat Anda hemat dan bisa menyimpan uang untuk ditabung, yang ada malah menyita tabungan. Lantas bagaimana solusinya?

Solusi

Berpikir untuk hemat bukan hal buruk, hanya pastikan terlebih dahulu apakah tindakan irit Anda tersebut memungkinkan untuk menyimpan uang atau malah menghabiskannya. Misalnya, jika mengambil jalan tol bisa menghemat waktu dan uang, kenapa harus menghindarinya demi sepeser uang Rp 10.000 saja. Pertimbangkan dampak jangka panjangnya, apakah sepadan dengan waktu serta kerumitan yang ditempuh.

5. Buta finansial

Gaji tidak pernah cukup apabila Anda termasuk individu yang buta finansial. Berdasar data dari World Bank, 49 % masyarakat Indonesia belum tersentuh pelayanan perbankan. Alasannya bermacam-macam. Sebanyak 79 persen mengatakan tidak memiliki , 9 persen tidak memiliki pekerjaan dan sisanya karena tidak merasakan manfaat dari menabung.

Data tersebut sangat mencengangkan karena pertanda orang Indonesia belum melek finansial dan tak mengerti manfaat fasilitas perbankan bagi kehidupan keuangan mereka. Mereka kurang memahami apa kegunaan tabungan, serta bagaimana cara mengelola keuangan.

Individu yang sama sekali tak menyentuh fasilitas perbankan pertanda bahwa keuangannya terancam. Pasalnya, Anda tak memiliki wadah untuk menyimpan gaji jadi bisa dipastikan gaji Anda tak pernah cukup.

Solusi

Belajar dan mengerti cara mengelola keuangan sejak dini adalah suatu keharusan. Bahkan menabung pun sudah diajarkan sejak dini. Sejak masih duduk di bangku sekolah. Masa ketika sudah memiliki penghasilan sendiri malah sulit menabung.

Agar lebih mengerti peranan produk perbankan dalam kondisi keuangan kita, Anda bisa melibatkan penasihat profesional atau mencari saran dari rekan-rekan Anda yang lebih berpengalaman di bidang ini. Dan mulailah terjun dalam produk perbankan seperti tabungan dan deposito untuk menyimpan kekayaan.

6. Besar pasak daripada tiang

Ini salah satu faktor gaji tidak pernah cukup setiap bulannya. Ya, besar pasak daripada tiang. Besar kebutuhan (ditambah keinginan) ketimbang penghasilan. Bila kebiasaan buruk ini terus berjalan, mau gaji Anda mengalami peningkatan sampai 3 kali lipat pun selalu tak pernah cukup.

Gaya hidup ini sebaiknya harus dihindari agar kondisi keuangan Anda selalu sehat. Jangan pernah tergoda membeli sepatu baru meskipun sale. Apalagi jika seminggu sebelumnya Anda baru membeli sepatu. Kurangi jajan dan makan di luar setiap minggu padahal masih banyak cicilan yang perlu dilunasi. Memelihara sifat seperti ini sama saja degan memelihara penyakit.

Solusi

Mulai berhemat. Ganti kebiasaan ngopi di kedai kopi setiap minggunya dengan membeli kopi dan membuat sendiri di rumah. Anda dapat lebih bebas meracik sesuai selera. Bawa bekal saat ke kantor juga mengurangi biaya makan dan jajan di luar. Periksa juga isi lemari Anda, apakah masih banyak pakaian dan sepatu menumpuk  yang belum terpakai?

Bila jawabannya ya maka urungkan niat Anda untuk membeli baju-baju baru. Lebih baik uangnya dipergunakan untuk memenuhi kebutuhan.

7. Tak punya anggaran bulanan

Siapa yang setiap bulannya membuat anggaran keuangan? Apakah  Anda selalu mencatat berapa pengeluaran dan pemasukan dalam sebulan? Pasti mayoritas menjawab tidak. Sangat disayangkan.

Ketika tanggal gajian tiba, segera transfer dan melakukan pembayaran cicilan. Itu hal pertama yang harus Anda lakukan. Baru sisanya dikelola untuk memenuhi kebutuhan bulanan. Ketiadaan anggaran bulanan membuat Anda selalu over spending. Dan pada akhirnya sama sekali tidak ada sisa gaji yang bisa disimpan untuk tabungan, Lebih parahnya, setiap bulan Anda selalu nombok. Ini namanya bencana keuangan.

Solusi

Buat anggaran per bulan untuk mengetahui arus keluar masuk keuangan Anda. Sehingga Anda lebih mudah mengontrol gaji dalam sebulan. Tulis dalam buku catatan, berapa gaji yang diterima bulan ini, lalu pemasukan lain jika ada dan pengeluaran untuk membeli kebutuhan, bayar utang dan cicilan. Lalu dana untuk tabungan, investasi, asuransi.

Setelah menulis semuanya dalam satu buku, Anda menyadari bahwa terlalu banyak pengeluaran namun kabar baiknya Anda jadi lebih komitmen dalam mengelola keuangan. Adanya transparansi keuangan ini membantu Anda untuk mengidentifikasi mana saja pengeluaran yang tak penting sehingga bisa dipotong. Disiplin dan ketekunan diperlukan untuk membuat anggaran bulanan!

8. Bayar tagihan dengan jumlah minimum

Kebiasaan membayar tagihan kartu kredit dengan jumlah minimum sebenarnya tanpa disadari dapat menggerus keuangan Anda. Jumlah utang tak akan usai karena bunga bank terus bertambah beserta saldo akhir tagihan Anda. Ketentuan kartu kredit mengenakan bunga apabila pemilik kartu tidak melakukan pembayaran penuh. Bunga dari sisa tagihan Anda akan ditambah ke jumlah tagihan berikutnya. Masalah akan timbul karena Anda harus terus menerus membayar bunga dari tagihan yang tersisa.

Akibatnya, setiap bulan gaji Anda habis hanya untuk membayar bunga saja. Belum membayar pemakaian kartu kredit bulanan.

Solusi

Hentikan sementara pemakaian kartu kredit apabila utang masih menumpuk. Sebaiknya tahan keinginan untuk membeli barang-barang yang sifatnya konsumtif. Beli ketika masih ada sisa uang tunai saja. Hindari penggunaan kartu kredit untuk memenuhi keinginan konsumtif Anda. Bisa-bisa utang tak pernah lunas dan gaji tidak pernah cukup untuk memenuhi kebutuhan.

9. Investasi bukan hal penting

Memikir bahwa investasi tidak penting adalah kesalahan besar. Investasi ini mumpuni mengembalikan modal awal Anda hingga tiga kali lipat. Meski demikian, carilah investasi dengan modal pengembalian tinggi. Berharap pada deposito karena minim risiko sebenarnya kurang tepat karena bunganya rendah.

Pemilihan instrument investasi harus disertai keahlian mengelola keuangan namun turut diiringi dengan pemikiran logis. Sebagai contoh, tingkat inflasi di Indonesia rata-rata skeitar 3,5 %. Jika berinvestasi di deposito hanya mumpuni menghasilkan keuntungan hingga 4 % per tahun. Sisa 1 % jelas belum mampu menangkal inflasi.

Solusi

Investasikan modal Anda sesuai profil risiko dan kemampuan keuangan. Tidak semua investasi berisiko tinggi. Untuk mendapat keuntungan lebih, Anda bisa diversifikasi investasi yakni menanamkan modal pada dua sampai tiga lumbung untuk mengelola risiko investasi. Dengan begitu Anda akan terselamatkan dari inflasi.

Untuk menyenangi dunia investasi, banyak membaca, belajar dan banyak bertanya pada teman atau keluarga yang lebih dahulu berinvestasi.

10. Mengabaikan asuransi

Penyakit atau musibah datangnya tak terduga. Anda bisa saja sakit dan harus dirawat inap berhari-hari hingga menghabiskan gaji Anda. Kalau sudah begini, Anda hanya bisa menyesali kesalahan mengapa tidak membekali diri dengan asuransi. Hal terburuk akan datang jika Anda adalah kepala keluarga atau pencari nafkah dalam keluarga dan harus mengorbankan seluruh tabungan untuk membayar biaya perawatan.

Hingga tahun 2014, jumlah orang Indonesia yang sudah sadar asuransi sebanyak 15,50 juta jiwa. Jumlah tersebut mengalami kenaikan dari periode 2013 yang sebanyak 13,62 juta orang. Hal ini menandakan orang Indonesia mulai melek asuransi. Masih banyak individu berpikir asurasni itu tidak penting karena hanya buang-buang uang. Padahal ungkapan tersebut salah besar.

Solusi

Mendaftar asuransi adalah solusi terbaik untuk menangkal kebangkrutan karena harus dirawat di rumah sakit. Memiliki asuransi juga mumpuni menjamin kehidupan masa tua yang nyaman. Bahkan masa pensiun dapat dilalui dengan tenang.

Belum punya asuransi? Segera daftar asuransi yang tepat. Cari tahu jenis asuransi yang tepat dan terbaik bagi Anda. Kemudian telusuri apa saja manfaat yang diperoleh saat terdaftar di asuransi dan bagaimana pertanggungannya.

Kebiasaan buruk yang menyebabkan gaji tidak cukup memang sulit dihentikan. Namun, sangat penting untuk mulai mengelola keuangan sehingga tercipta keseimbangan dalam pendapatan dan pengeluaran Anda. Sifat buruk di atas harus segera dibuang untuk menghindari terjadinya kebangkrutan dan penumpukan utang.

Semua orang pasti pernah mengalami kesulitan mengatur keuangan. Asal kita mau komitmen manajamen keuangan dan mencapai kehidupan finansial lebih baik niscaya keuangan akan kembali pulih. Kalau saat ini Anda sedang kecanduan belanja online, hindari dengan menonaktifkan newsletter dari e-commerce favorit Anda yang kerap menebar promosi dan diskon.

Kita perlu menata keuangan dan mengadopsi cara manajemen keuangan yang baik. Mulai membedakan mana kebutuhan dan keinginan. Pikir matang-matang sebelum membeli suatu barang.

Setelah mempelajari artikel ini, semoga gaji Anda tak lagi pas-pasan ya!

Oleh : Hanindya Christiana (aturduit)

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195 thoughts on “10 Alasan Mengapa Gaji Tidak Pernah Cukup dan Solusinya

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  70. When I initially left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and from now on every time a comment is added I recieve 4 emails with the same comment. Is there a means you are able to remove me from that service? Thanks!

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